CBAN

Colony Bankcorp, Inc. is a bank holding company operating through Colony Bank, providing commercial and consumer banking services primarily in Georgia and surrounding southeastern states. The bank offers traditional banking products including commercial loans, real estate mortgages, consumer lending, and deposit accounts to individuals, small businesses, and commercial customers. Colony Bank focuses on relationship banking with local decision-making, personalized service, and community involvement. Founded in 1975 and headquartered in Fitzgerald, Georgia, Colony operates community banks in smaller and mid-sized markets across Georgia, Alabama, and Florida. The company serves customers through banking branches, ATMs, and digital channels. Colony benefits from local market knowledge, community relationships, and responsive service differentiat ing it from larger regional and national banks. The bank faces challenges common to community banks including interest rate risk, regulatory compliance costs, competitive pressures, and geographic concentration. Colony maintains solid credit quality and conservative lending practices. The company continues to focus on organic growth, prudent risk management, operational efficiency, and serving the financial needs of its southeastern communities.